Tuinuke Loan for Chamas
The Tuinuke Loan is a financial product offered by the Women Enterprise Fund to support women's groups (chamas) in starting, growing, and expanding their businesses. The loan follows a graduation model, where groups that repay their loans on time qualify for higher loan amounts in subsequent cycles.
Loan Cycles and Repayment Periods
| Loan Cycle | Loan Amount (Ksh.) | Repayment Period |
| 1st Cycle | 100,000 | 6 Months |
| 2nd Cycle | 200,000 | 9 Months |
| 3rd Cycle | 350,000 | 12 Months |
| 4th Cycle | 500,000 | 15 Months |
| 5th Cycle | 750,000 | 18 Months |
Key Features
Affordable Financing – A one-time administrative fee of 6% is charged upfront.
No Collateral Required – Groups do not need title deeds, logbooks, or other forms of security. Good repayment history is the basis for qualifying for higher loan amounts.
Graduation Principle – Timely repayment allows groups to access larger loans in subsequent cycles.
Direct Disbursement – Loan funds are deposited directly into the group's bank account.
Capacity Building – Beneficiaries receive Financial Literacy Training to enhance business and financial management skills.
Market Linkages – Groups benefit from opportunities for exhibitions, networking, and access to markets.
Eligibility Requirements
To qualify for the Tuinuke Loan, a group must:
- Be a registered Self-Help Group (SHG) comprising 10–30 women members.
- Have members who are 18 years and above.
- Be registered with the Department of Social Services or the Micro and Small Enterprises Authority (MSEA) for at least three months.
- Have an active commercial bank account.
- Complete the Financial Literacy Training conducted by Women Enterprise Fund officers.
- Ensure that each member belongs to only one WEF-funded group.
How to Apply
Applying for the Tuinuke Loan is simple:
- Visit your nearest Women Enterprise Fund Constituency Office.
- Obtain and complete the loan application form.
- Submit the required documents, including your group registration certificate and bank account details.
- The application will be reviewed and processed for approval.
- Upon approval, funds will be disbursed directly to the group's bank account.
Where to Find Us
Women Enterprise Fund services are available in all 290 constituencies across Kenya. Our officers are hosted within the Deputy County Commissioner's (DCC) and Assistant County Commissioner's (ACC) offices nearest to you.
Visit your nearest WEF office today and take the next step towards growing your business.